#vaibhavkhush
tranquil shard
Hi
low gust
It's the issue simply decline the transaction. It can happen. As a merchant you should build your integration that you can get your customer back online and provide a different payment method
There are a lot of different issuer and they have their own policy/reason to decline a charge
tranquil shard
is it issue of bank or my code
low gust
More of your code, as you can't predict when and which bank will decline
tranquil shard
should i have to correct my code as it says bank has declined the paymnt
low gust
for example the bank can figure it out the customer was fraud, and terminate their card
low gust
or simply the customer card expired
ie if the card was due July 2023, the first monthly payment on July 10th could success, but the next on Aug 10th will be declined
Really decline is up to the bank and there are various reasons
As a merchant your integration should be responsive to decline
tranquil shard
but card is working fine thats my card
can i know the reason what taking it decline
low gust
Sure but the bank could have other reason too, only the cardholder (you in this case) can reach out to the bank and clarify
Can you give me the failed Invoice? I can quick check
tranquil shard
yes sure
low gust
But most of the time, we only know that the bank declined it
tranquil shard
an the can you check what I am doing wrong my flow for subscription is
- Creating Customer
- Then for 3ds charge 1 rupee from customer by payment Intent then refund it
- Creating subscription with that payment Id
then confirming with customer and sending invoice
worldly spearBOT
marsh lava
please don't paste the actual invoice here. This is a public channel
we're looking for the invoice id
tranquil shard
its for testing purpose only
marsh lava
a invoice id starts with the prefix in_
marsh lava
you're going to need to talk to your bank about that, we don't really have any additional insights here since it's the bank that declined the charge
tranquil shard
is my payment flow is correct
Creating Customer
Then for 3ds charge 1 rupee from customer by payment Intent then refund it
Creating subscription with that payment Id
then confirming with customer and sending invoice
marsh lava
you don't need to charge a Customer 1 rupee and then refund it for 3DS. You can collect the PaymentMethod when the Subscription is created : https://stripe.com/docs/billing/subscriptions/build-subscriptions?ui=elements
tranquil shard
but in Indian transaction its saying 3ds is required before saving customer card as per RBI guidelines
marsh lava
if you follow that flow in the guide, 3DS will be initiated when collecting and saving the customer card
tranquil shard
i am creating 1 rupees transacation so it can be reason of card declined so ??
marsh lava
you're going to need to talk to your bank about that, we don't really have any additional insights here since it's the bank that declined the charge
marsh lava
what exactly do you want Stripe to help with?